A general liability insurance policy — also known as business liability insurance — protects businesses from claims that result from normal business operations. Get a business liability insurance policy for protection from bodily injuries, medical payments, advertising injuries, and more.
GEICO can help small business owners and contractors get the coverage they need with a general liability insurance quote.
This liability insurance protects your small business from claims that occur during your normal business operations, such as:
The cost of general liability insurance is based on your specific business needs. Your business is unique, and so are the risks. Factors that influence the cost include:
GEICO can help you get an insurance policy with the right coverage at a great price. Start your general liability insurance quote now.
Protects you from claims costs if you damage someone else's property.
Payments for accidents that occur on your premises or because of your operations, such as a customer slipping on a wet floor. This is regardless of who is at fault.
Personal & Advertising Injury
If you're sued for libel and slander, this could provide coverage for those claims.
Each business is different, so make sure you're covered with liability insurance for your needs. Examples of businesses that use general liability insurance are:
Check out our insurance for small business page to learn about small business coverages. If you still need guidance on whether general liability insurance is right for you, we're here to help. Contact our licensed agents with any of your concerns or questions.
Many contractors have business owners policies (BOP), but your business may not need all of the coverages that come with a BOP. If you don't require property insurance and aren't responsible for covering payroll or operating expenses, for instance, general liability insurance could be a better solution. These policies save you money by providing the risk protection you need without overwhelming you with the coverages you don't.
Being properly insured with business liability insurance is the best way to protect your company. We're here to help. Here are a few examples of companies that may be better suited to our other business insurance products
Example: A fire damages your office. A BOP could cover repairs to your office and help pay your employees' wages while business is interrupted.
Professional Liability InsuranceExample: A client sues a hair stylist for allegedly giving them the wrong cut and color. Professional liability insurance could cover legal defense costs.
Commercial Auto InsuranceExample: On a job site, a carpenter accidentally backs into the homeowner's car. Commercial auto insurance could cover the damage.
Cyber Liability InsuranceProtects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or stolen personal data. Get a Quote
Workers' Compensation InsuranceYou can reach us at (800) 841-1621.
8:00 AM – 9:00 PM (ET) 9:00 AM – 5:30 PM (ET)The Geico Insurance Agency makes it easy to talk directly with an insurance professional who can help you manage your general liability insurance policy.
Do you sell other business insurance products?Yes! Whether you're a small business just getting started or looking for better insurance rates, GEICO can help. Answer a few short questions about your business so we can help narrow down the search with you.
Do you have any information about starting a new business? Sure, we do! Here are 6 smart tips about starting a new business. Is my small business properly covered?For most small businesses, general liability insurance is recommended. Beyond that, it depends on your unique situation. Common types of business insurance include workers' compensation, commercial auto, and/or professional liability insurance as well. Learn more about what insurance your business needs.
Who is insured on a general liability policy?Those insured on a general liability policy typically includes the policyholder (usually a business or individual), employees of the policyholder while acting within their job duties, and sometimes even volunteers or subcontractors named in the policy. The specifics can vary depending on the policy's terms and conditions, but it generally covers those directly associated with the insured entity.
Is general liability insurance tax deductible?Yes, in many cases, general liability insurance premiums can be tax-deductible as they are considered a legitimate business expense. However, tax regulations can vary, so it's best to speak with a tax professional to be sure you're eligible.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
For online quotes:
When you click on "START QUOTE" and "Start your quote now", we gather some pieces of information and you may be taken to the website of one of the insurance companies with which GEICO Insurance Agency, LLC works, which website is not owned or controlled by GEICO. Each insurer has sole financial responsibility for its own products.
GEICO has no control over the privacy practices of these insurance companies and assumes no responsibility in connection with your use of their websites. Any information that you directly provide to one of these insurance companies is subject to the privacy policy posted on that insurer’s website. All business products offered are written on an admitted basis.
General Liability coverages are written through non-GEICO insurance companies and are secured through the GEICO Insurance Agency, LLC. The information you provide will be shared with our business partners so that they can return a quote. We can help you secure business insurance in all states except Hawaii.
